MORTGAGE PAYMENT PROTECTION INSURANCE

Transcription

1 MORTGAGE PAYMENT PROTECTION INSURANCE Accident, Sickness and Involuntary Unemployment Policy Document CUNA MUTUAL GROUP

2 Contents Introduction... 1 Changing Your Mind Your Cancellation Rights, Eligibility and Material Facts... 2 Policy Options... 3 Accident and Sickness Cover... 4 Involuntary Unemployment Cover... 5 General Exclusions Applying to all Covers and Changes to Your Cover... 6 Cover for More Than One Person and Limits on Cover... 7 Premium for Your Cover and How to Make a Claim... 8 Term of Policy and Cancellation of Your Cover... 9 Changing the Terms of Your Policy Customer Care and Compensation Scheme Governing Law, Data Protection and Helpline for Disabled Customers Definitions... 13

3 Introduction This policy document together with your policy schedule comprises your contract with us. Together they set out the full terms and conditions of your contract with us and give details of the covers available under Mortgage Payment Protection Insurance. Mortgage Payment Protection Insurance (MPPI) is a type of payment protection insurance which is designed to help you meet your mortgage repayments and/or related monthly outgoings in the event that you are unable to work due to an accident or sickness or involuntary unemployment. The specific cover options that you have chosen are shown in your policy schedule. The cover you have bought has many benefits to give you peace of mind. However, as with all insurance contracts, there will be circumstances in which cover will not apply. This document clearly shows what this policy does and does not cover. Please read your policy document and policy schedule carefully to ensure you are eligible for cover and keep them in a safe place. The words that appear in bold in this policy document have specific meanings and these are defined in Section 19 of this policy document. Please note that this policy is NOT linked to your mortgage in any way. It is a separate standalone payment protection policy. This means that, if you make a claim under this policy and a payment is made to you, you will need to make your own arrangements to use this amount to cover your mortgage repayments. If your mortgage repayments increase after you purchase this policy the monthly payment may not be sufficient to cover your mortgage repayments. You should keep the level of cover under review throughout the term of the policy. This insurance is underwritten by CUNA Mutual Insurance (Europe) Limited, a company registered in Ireland Reg. No with registered office address: The Harcourt Building, Harcourt Street, Dublin 2, Ireland. CUNA Mutual Insurance (Europe) Limited is authorised by the Irish Financial Regulator. You can contact us by calling , by sending a fax to or by writing to us at our registered address above. To make sure we maintain a high-quality service, we may monitor or record phone calls. 1

4 Changing Your Mind Your Cancellation Rights Please ensure that you read through your policy document and policy schedule in detail immediately to ensure that the cover provided is suitable for your needs. If, after taking out Mortgage Payment Protection Insurance and reading the policy document and policy schedule, you decide you do not want to continue with the insurance you may cancel your policy by contacting us on or by writing to us at: MPPI Policy Administration Team, CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX. IMPORTANT: If you cancel your policy within 30 days of receiving your policy document, we will cancel your policy and give you your money back and you will not be eligible to make a claim under the policy. Any refund of premium will be paid to your bank account. After the first 30 days you may cancel your policy at any time by providing us with 30 days notice. Please see Section 12 for details of how to do this. 1. ARE YOU ELIGIBLE? You are eligible for this policy if at the start date of the policy you: are aged 18 years or over and under 65 years; work at least 16 hours per week and have done so for at least the last 6 months (not including seasonal and temporary work); live in the UK; and are a named borrower on a mortgage. In the case of joint applicants both applicants must individually meet the above eligibility criteria. If one applicant does not fit the eligibility criteria then the policy can only be taken out in the other applicant s name. If you are self employed or you work on fixed term contracts you are eligible for this insurance but you should read this policy document carefully to make sure the cover is suitable for your needs you should pay particular attention to section 5 - Involuntary Unemployment Cover and section 7 Changes to your policy. 2. MATERIAL FACTS You must tell us all material facts - a material fact is one that is likely to influence us in the assessment and acceptance of your application e.g. living outside the UK or in work for less than 16 hours per week. It is your responsibility to provide complete and accurate information to us when you apply for this insurance. Please note that if you fail to disclose any material information to us when you apply for this insurance, we could: cancel your policy; declare the contract to be not valid; refuse to pay part or all of any claim under the policy; or use any other rights we may have under the policy. We recommend you keep a record (including copies of letters) of all information provided to us for your future reference. If you are not sure whether something is important, please ask us. 2

5 3. POLICY OPTIONS The policy is designed to be flexible so as to meet your specific needs. When you apply for this policy you can choose the cover you want from the options listed below: Insurance Covers Level of cover What this means You can choose the cover(s) you want to include on your policy. Some may not be relevant to you (for example if you believe that you are unlikely to be made redundant you may not want to choose unemployment cover) You can choose the amount of monthly payment that we will pay you in the event of a claim. Options accident and sickness cover Involuntary Unemployment cover You can select one or both of these covers. You may select any amount between 100 and 2,500 per month as long as it is not more than: 50% of your gross monthly earnings; or 150% of your monthly mortgage repayment amount at the time of application or at time of any amendement to your cover. Claim excess period You can choose what claim excess period you want to apply to all the covers you have chosen this is the number of days that you are out of work due to an insured event where no benefit will be paid. A longer period means that you will have to cover more repayments from your own resources before your claim can commence, however your premium will be lower. The period you choose will apply to all the cover(s) you have chosen. 0 days; 30 days; 60 days; or 90 days; Where you select 0 days excess you must be out of work for at least 30 consecutive days to claim however your benefit will be paid from the first day that you are out of work. Maximum claim duration You can choose the maximum number of months that we will pay a benefit to you for a single claim. If you select a longer period you will receive monthly payments for a longer period of time, however your premium will be higher. 12 months; or 24 months The cover options which apply to your policy are shown on your policy schedule. 3

6 4. ACCIDENT AND SICKNESS COVER Details of Cover Conditions: You must be working and an accident or sickness must prevent you from doing your normal work or, if you reasonably expect not to return to your normal job, any other paid work which your experience, education or training reasonably qualifies you to do. If you are self-employed, the accident or sickness must stop you from managing or carrying out any part of the day-today running of the business. You must have a doctor s certificate for at least 30 consecutive days (or the claim excess period if longer) confirming you are unable to work. You must also provide confirmation from your employer of your absence from work. You must be receiving continuing treatment from a doctor for monthly payments to continue. the date we have paid your monthly payments for the maximum claim duration; or the end date. Specific exclusions: You will not be covered for an accident or sickness that is the result of any of the following: a pre-existing medical condition unless at the time of a claim you have not had any symptoms, consulted a doctor or received treatment in relation to such pre-existing medical condition for 24 months. Any deliberate, self-inflicted injuries, including but not limited to injuries resulting from: i) drinking alcohol or taking drugs, (unless the drugs are prescribed by a doctor for purposes other than to treat drug addiction); ii) elective or cosmetic surgery or beauty treatment, (unless it is needed because of a physical illness, disease or injury). Any accident or sickness that arises while you are living outside the UK. Amount of cover: We will pay you the daily equivalent amount of your monthly payment for each consecutive day following the end of the claim excess period that you are unable to work as a result of accident or sickness. We will pay this monthly. There is no cover for the duration of the claim excess period. Claim Duration: We will continue to pay your monthly payments each month until the earliest of: the date you return to work; or the date from which you no longer have a doctor s certificate to support your claim; or 4

7 5 5. INVOLUNTARY UNEMPLOYMENT COVER Details of cover Conditions: You must be working and become continuously unemployed, (no sooner than 60 days after the start date), for at least 30 consecutive days (or the claim excess period if longer). You must be available for, capable of and actively looking for work (except where you are a carer). You will need to provide satisfactory proof that you are actively looking for work, this can include: i) Being registered for work with the Department for Work and Pensions and receiving a form of Jobseeker s Allowance as defined by the relevant legislation or regulations and receiving credits for National Insurance contributions because you meet the conditions for Jobseeker s Allowance, even if you do not receive Jobseekers Allowance; or ii) If you are not eligible for Jobseeker s Allowance, for example, you are in receipt of Income Support Benefit, or Widow s Pension, or Single Parent Allowance, you must provide two pieces of evidence from prospective employers that you are seeking work. Amount of cover: We will pay a daily equivalent amount of your monthly payment for each consecutive day following the end of the claim excess period that you are unemployed. We will pay this monthly. There is no cover for the duration of the claim excess period. If you have more than one job: If you have more than one job after the start date, you are made unemployed with respect to one of those jobs and you are ineligible for Jobseekers Allowance, we will pay your benefit on a pro-rata basis, based on the proportion of working hours or earnings lost, whichever is less, subject to the terms and conditions contained within this policy and provided that you provide evidence that you are actively seeking alternative work to replace at least the lost hours. For example, if you were working in two part-time jobs of 20 hours per week each and you were made redundant from one job, we would pay half of the monthly payment if your earnings were equal in both jobs. Claim duration: We will continue to pay monthly payments until: the end date; or the date you retire; or you are no longer unemployed; or you are no longer available for, and actively looking for work (or cannot provide evidence that you are); or you are no longer living in the UK; we have paid your benefit for the maximum claim duration, whichever happens first. Specific exclusions: We will not make any payments in respect of unemployment in any of the following circumstances: If at the start date, you knew you were going to be made unemployed, or you had reason to believe that it was likely; or If you have not been in continuous work for six months, with one or more employers immediately before you became unemployed. (If you were not working for two weeks or less, we will not count this as a break in your employment); or

8 if the unemployment occurs within 60 days of the policy start date If the unemployment results from your conduct (including fraud, illegal activity, dishonesty or anything that led to or might have led to a disciplinary procedure), your resignation, any unemployment of a voluntary nature, or where you have taken early retirement; or If your work is seasonal or temporary and in both cases unemployment is a regular feature of your work; or If your fixed-term contract reaches its expected expiry date, unless you have a fixed term contract that is permanent in nature with your employer and none of the above circumstances apply, or The unemployment occurs while you are not living in the UK. 6. GENERAL EXCLUSIONS APPLYING TO ALL COVER UNDER THIS POLICY We will not cover any claims arising out of: any material fact or circumstance which you knew about prior to purchasing this insurance; or any circumstance which is caused by deliberate or illegal acts on your part; or any circumstance which is directly or indirectly caused by riot, terrorism, war or any similar event, nuclear radiation, ionising radiation or the dangerous parts of any nuclear equipment. 7. CHANGES TO YOUR COVER It is your responsibility to ensure that this policy continues to meet your requirements should your circumstances change during the lifetime of your policy, as this could affect your entitlement to benefits or the suitability of the policy for your needs Changes to your eligibility for cover The eligibility of any persons named in the policy schedule for cover may change if their personal circumstances change. This would happen if any person named in the policy schedule: reaches age 65, or retires from work and doesn t intend to actively seek further work, or changes employment so that their work becomes seasonal or temporary, or voluntarily reduces their hours of work to less than 16 hours per week or leaves the UK to live abroad In the case of joint insureds, if one of the people named on the policy becomes ineligible for cover during the term of the policy they will no longer be covered and will not be able to claim on the policy the policy will remain in force for the other person named on the policy schedule. As this policy is not linked to your mortgage, you should also consider the continued suitability of the policy or the level of benefit insured if you repay or increase your mortgage or if the amount of your monthly mortgage repayments changes. If your circumstances change in any of the above ways or if you decide the policy is no longer suitable and you wish to cancel it or change the benefit amount, please contact us on or at: MPPI Policy Administration Team, CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX. Please see Section 12 Term of Policy and Cancellation of cover for more details. 6

9 Making changes to your cover You should review your cover and the benefit level you have chosen on a regular basis to make sure that the policy continues to meet your individual needs. If you want to change your cover due to a change in your circumstances (for example, a change in the nature of your employment), you can ask us to change the cover chosen at any time by contacting our MPPI Policy Administration Team on We will tell you your new premium amount and will confirm the date the new benefit level will take effect from. If you change the cover or the benefit amount whilst claiming benefit, the change may affect your entitlement to the payment of any benefits due. The exclusions and limitations outlined in sections 4 and 5 of this Policy Document will be applied to any increase in the monthly payment or new cover from the amendment date. If any of these exclusions apply, you will not be eligible to claim under the policy for that increase in monthly payment or cover, however we will assess the claim on the basis of the benefit to which you were entitled before the amendment date. 8. COVER FOR MORE THAN ONE PERSON Where there is more than one person named as an insured in the policy schedule the cover under this policy will be split between them in line with the instructions given to us in the application for cover. The proportion of cover allocated to each of you will be shown in the policy schedule. The policy schedule also shows the amount of the monthly payment which is payable to each of you in the event of a valid claim. You should phone us on * or write to us at: MPPI Policy Administration Team, CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX if you wish to change the amount of the monthly payment or the proportion allocated to each of you. You may not change the amount of the monthly payment or the proportion allocated to you in respect of a claim which you have already notified to us or for which you are already receiving monthly payments. 9. LIMITS ON COVER The maximum amount we will pay to you for any single claim is the monthly payment amount you have chosen multiplied by the maximum claim duration you have chosen. Accident and Sickness If you have cause to claim under the accident and sickness cover within three months of the end of a previous accident and sickness claim period, and that claim arises from a related condition or one which existed at the same time as the previous condition, we will consider the later claim as part of the earlier claim. A new claim excess period or waiting period will not apply but the maximum claim duration limit will apply to the two claims combined. If your claim has stopped because we have paid benefit for the maximum claim duration then you may only make a subsequent claim if you have been working continuously for a period of 6 months. 7

10 Involuntary Unemployment If you have cause to claim under the involuntary unemployment cover within six months of the end of a previous involuntary unemployment claim period, we will consider the later claim as part of the earlier claim. A new claim excess period or waiting period will not apply but the maximum claim duration limit will apply to the two claims combined. If your claim has stopped because we have paid benefit for the maximum claim duration then you may only make a subsequent claim if you have been working continuously for a period of 6 months. 10. PREMIUM FOR YOUR COVER Your premium for the cover you have chosen is shown in your policy schedule. This amount includes Insurance Premium Tax at the rate that applies at the date of payment. The premium is a fixed amount based on the monthly payment you have chosen, regardless of your actual mortgage repayment amount. Your premium will be collected monthly in arrears by direct debit from your nominated bank account. If you are making a claim, you must continue to pay your premium when due while your claim is being considered or paid. Your premium rate is not guaranteed and we may change your premium rate in certain circumstances. Please see section 13 Changing the Terms of Your Policy for more details. 11. HOW DO I MAKE A CLAIM? If you need to make a claim, please read the relevant section for the cover that you are claiming under, as shown in sections 4 and 5 of this policy document and make sure none of the exclusions apply to you. If you wish to proceed with making a claim, please follow the steps below to register your claim. Step 1 Please phone our MPPI Claims Team on *. Our lines are open from 8am to 6pm Monday to Friday and 9am to 1pm on Saturday - please note our lines are not open on public holidays. Please have your policy details ready when you call. We will take the details of your claim and register the claim over the phone. Where possible we will give you an indication of whether or not your claim is covered. Step 2 We will send you a claim form requesting your authorisation for us (and our agents) to gather all the details in relation to your claim. Step 3 You should complete the claim form in full and return it to us as soon as possible. Our address for all claims correspondence is: MPPI Claims Team, CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX Step 4 We will assess your claim as soon as possible. Step 5 We will contact you by telephone or in writing to advise you of our decision. 8

11 Step 6 If we accept your claim, we will pay the monthly payments in to your nominated bank account. Step 7 We will require ongoing evidence of your eligibility to claim under this policy. We will continue to pay monthly payments until you tell us that you no longer qualify to claim or until the claim is fully paid, whichever is sooner. Things To Keep In Mind When Claiming you must supply and pay for all reasonable information or evidence we ask for to support your initial claim and from time to time throughout your claim. If we ask for proof, you need to be able and willing to supply it. if we do not receive all the information we need (for example declarations and medical questionnaires) or if these documents are not acceptable to us we may delay or suspend your claim payments. we (and our agents) may contact your employers or other insurers for information about you when making an accident and sickness claim, you must agree to any medical examination which we arrange and pay for. each insured person may only claim under one section of this policy at a time. For example, if you make a claim for involuntary unemployment you will not be able to make a claim for accident and sickness cover in respect of the same period of time. 12. TERM OF POLICY AND CANCELLATION OF YOUR COVER This policy will continue until terminated in one of the following circumstances: you reach the age of 65 or retire or otherwise cease working (where more than one person is named as an insured on the policy schedule then cover for any of you who reach the age of 65 or retire or cease working will terminate but the policy will continue until all of you reach age 65 or retire or otherwise cease working); or you are no longer living in the UK; or you cancel your insurance; or we cancel your insurance All cover and all relevant benefit payments provided by this cover will end in these circumstances. Please note that this policy will not automatically come to an end when your mortgage ends. If you no longer require the cover that this policy provides you will need to cancel the policy by giving us 30 days notice in writing to: MPPI Policy Administration Team, CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX. In the case of joint applicants, if one of the persons named on the policy schedule cancels the insurance so far as it relates to them, retires, is no longer working or no longer living in the UK then that person will no longer be covered under the policy from the next monthly renewal date the policy will remain in force for the other applicant. 9

12 Cancelling Your Policy You may cancel your policy at any time. If you cancel your policy within 30 days of receiving your policy document, we will cancel your policy and give you your money back and you will not be eligible to make a claim under the policy. If you want to cancel after the first 30 days, you will need to give us 30 days notice in writing. We will refund to you any part of the premium you have paid that relates to the period after the end date. All notices of cancellation should be sent in writing to: MPPI Policy Administration Team, CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX We may cancel your policy and end this agreement immediately and without notice: 1. if we believe that you have seriously or persistently broken the terms of this policy by: a) giving us false information at any time; or b) your premium being more than 30 days overdue; 2. If necessary to comply with applicable laws or regulations. In the case of joint applicants, we may cancel the policy in relation to one or both of you if one of you seriously or persistently breaks this agreement. We may also cancel your policy on giving you at least 90 days advance notice by post or if we take a strategic decision that it is no longer viable for us to continue to provide cover within the territory or market sector that applies to your policy. 13. CHANGING THE TERMS OF YOUR POLICY Changes to your Monthly Premium 13.1 We will review the cost of your cover, at least annually, and we may change the rate of your monthly premium if: (a) there are changes in Insurance Premium Tax; or (b) there are increases in the cost of providing your policy; or (c) the change is to your advantage. Any change to the amount of your monthly premium will reflect the change in the rate of any relevant taxation or will be a fair proportion, as reasonably estimated by us of the impact of the underlying change on the costs we incur in our insurance business We may also change the rate of your monthly premium if there is a change in the risk of underwriting your policy arising from the incidence or prevalence of any illness or disease or any other unforeseen change in the cost or number of claims incurred for this type of policy We will not increase the rate of your monthly premium under 13.2 above more than once in any 12 month period and any increase will not exceed 12.5% of the premium rate prior to such increase. 10

13 Changes to other terms 13.4 We may change any of the terms and conditions of your agreement with us: (a) where we reasonably consider that the change would make the terms easier to understand or fairer to you; or (b) where we reasonably consider that the change would not be to your disadvantage; or (c) to reflect or comply with changes in a legal, regulatory or industry requirement, or any independent guidelines or code of practice that we follow (or where we reasonably expect that there will be a change in any of them). Giving you notice of changes 13.5 We will give you at least 60 days advance notice by post or of any change. You may refuse to accept a change by notifying us in accordance with Section 12 Term of Policy and Cancellation of Your Cover before the time the change comes into effect that you wish to cancel your agreement. You will not have to pay a charge for cancelling your policy and you will not be affected by the proposed change Any change made to the terms of your agreement will not take away or affect any rights or claims you may have that arose before the date of such change. 14. CUSTOMER CARE If you have any questions or complaints about this policy, please contact us as follows: By phoning us on *, or By writing to the MPPI Customer Services Team at CUNA Mutual Group, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX, or By sending us a fax on If you are still not satisfied that we have fully dealt with the matter, you may be entitled to refer it to the Financial Ombudsman Service at: Financial Ombudsman South Quay Plaza 183 Marsh Wall London E14 9SR Phone: Making a complaint will not affect your right to commence legal action. 15. COMPENSATION SCHEME We are covered by the Financial Services Compensation Scheme (FSCS) in respect of UK risks. You may be entitled to compensation from the scheme if we cannot meet our responsibilities. Most insurance contracts are covered for 90% of the claim. You can get more information about the compensation scheme arrangements by contacting the FSCS on or or by visiting their website at org.uk. 11

14 16. GOVERNING LAW The law of England and Wales will apply to this policy, unless we agree otherwise with you in writing before issuing the policy. The conditions of this policy, all information and all communications will be in English. The Contracts (Rights of Third Parties) Act 1999 will not apply to this policy. 17. DATA PROTECTION You have a right to see your personal information, which we hold. There is a charge if you want to do this. For more details write to: The Data Protection Co-ordinator, CUNA Mutual Group, The Harcourt Building, Harcourt Street, Dublin 2, Ireland. Insurance administration Information you supply may be used for administration purposes by us, or our associated companies and agents. We may pass the information to regulatory organisations, which will monitor whether we are keeping to regulatory rules or codes. Your information may also be used for research or for preventing crime. It may be transferred to any country (including countries outside the EU) for any of these purposes. Preventing fraud We may make the information that you have provided, both at the time of applying for this insurance and on making a claim, available to other insurers for claims purposes. Insurers, lenders and their agents may also share information you have provided to them and may carry out checks against publicly available information as necessary. 18. HELPLINE FOR DISABLED CUSTOMERS We can provide this policy document in large print or on audio tape. For any of these, phone our MPPI Policy Administration Team on * or our textphone service on * To make sure we maintain a highquality service, we may monitor or record phone calls. Sensitive information To assess the conditions of the insurance contract or claims that arise, we may need to collect information that the Data Protection Act defines as sensitive (such as a person s medical history or criminal convictions). By going ahead with this insurance, you give your permission to this information being processed by us or our associated companies or agents. It may be transferred to any country (including countries outside the EU) for this purpose. 12

15 19. DEFINITIONS Where the words below appear in bold in this policy document they will have the following meanings: accident amendment date carer claim excess period doctor an incident occurring after the start date resulting in injury to you which you did not expect or intend. the date an additional cover is added to, or removed from, your existing policy, or the monthly payment is changed. a person who cares for their husband, wife, partner, parent, sister, brother or child, and receives a Carer s Allowance. the number of consecutive days that you must be out of work due to accident, sickness or unemployment before a claim can be made. This period is shown on your policy schedule. Where you have selected a 0 excess period you must be out of work due to accident, sickness or unemployment for at least 30 days (the waiting period ) at which point your claim will be paid from the first day that you are out of work. a medical practitioner (other than you or a member of your family) who holds a full qualification entitling him or her to full registration with the General Medical Council. end date the date on which this policy is terminated pursuant to section 12. fixed term contract that is permanent in nature you have worked continuously for the same employer for at least 24 months; or you have been on a contract for at least 12 months and had the contract renewed at least once; or you were originally employed permanently by the same employer but have been transferred to a fixed-term contract without a break in employment. maximum claim duration monthly payment MPPI the maximum number of monthly payments that we will make in respect of a single claim. This is shown in your policy schedule. the amount shown on your policy schedule as the monthly payment you have chosen. Mortgage Payment Protection Insurance. policy document this document which contains the terms and conditions of cover provided by the Mortgage Payment Protection insurance. policy schedule the letter which accompanies your policy document and sets out the specific details of your cover. 13

16 pre-existing Any condition, injury, illness, disease, sickness or related condition medical condition and/or associated symptoms, whether diagnosed or not: which you knew about, or should reasonably have known about, at the start date, or for which you received treatment or medication during the 12 months immediately before the start date, or about which you had seen or arranged to see a doctor, during the 12 months immediately before the start date. premium self-employed sickness start date UK the amount you must pay to us each month for the cover provided by your policy. you are self-employed if: you are carrying on a business in the UK either alone or as a partner in a partnership; or you can control the affairs of a company you work for because either you or a relative or a member of your household individually or jointly hold the majority of the voting rights in that company; or you can otherwise ensure that the company you work for conducts its affairs according to your wishes. an illness or disease which you first had after the start date. the date your cover commences (this is shown in your policy schedule). England, Scotland, Wales and Northern Ireland. unemployed/ you are entirely without work for one of the following reasons: unemployment You have been made redundant; or You have had to become a carer for at least 35 hours per week and you are registered with the Department of Work and Pensions as a carer); or The business or partnership in which you were selfemployed has stopped trading permanently and is: i) being or has been wound up, or ii) is in the hands of a liquidator, or iii) has been dissolved. we, our or us CUNA Mutual Insurance (Europe) Limited. work or working any paid work of at least 16 hours a week, including the following: a permanent job (where your contract of employment does not end on a given or suggested date, is not temporary or casual) and any paid notice period; a fixed-term contract; work you carry out on a self-employed basis. you or your the person or persons named as the insured(s) on the policy schedule.

17 CUNA MUTUAL GROUP CUNA Mutual Insurance (Europe) Limited, trading as CUNA Mutual Group is authorised by the Irish Financial Regulator The Harcourt Building Harcourt Street, Dublin 2, Republic of Ireland; Registered in Ireland No: Phone: Ireland +353 (0) / UK Fax: Ireland +353 (0) / UK Correspondence Address CUNA Mutual Insurance (Europe) Limited, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX. KH CUNA MPPI POLICY DOCUMENT